Many employers utilize self-insured programs to offer long-term disability (LTD) coverage to employees. With the potential financial risk of taking on self-insured programs, it’s important that employers are aware of the provisions within such LTD policies that can offset coverage with the benefits that employees receive from Social Security Disability Insurance (SSDI).
This paper explores potential offset savings, how to successfully identify SSDI-eligible candidates, and takes a deeper look into the application process.